Compared to Estimates, Home BancShares (HOMB) Q4 Earnings: A Look at Key Metrics

Core Insights - Home BancShares (HOMB) reported revenue of $282.09 million for Q4 2025, marking a year-over-year increase of 9.2% and exceeding the Zacks Consensus Estimate of $270.2 million by 4.4% [1] - The company's earnings per share (EPS) for the quarter was $0.60, up from $0.50 a year ago, aligning with the consensus EPS estimate [1] Financial Performance Metrics - Net Interest Margin (FTE) was reported at 4.6%, slightly above the estimated 4.5% by analysts [4] - The Efficiency Ratio stood at 39.5%, outperforming the average estimate of 41.6% [4] - Total non-performing loans amounted to $84.98 million, exceeding the average estimate of $78.32 million [4] - Average Balance of Total interest-earning assets was $20.13 billion, compared to the estimated $20.02 billion [4] - Total non-performing assets were reported at $124.81 million, higher than the average estimate of $120.45 million [4] - Net charge-offs to average total loans were at 0.1%, matching the average estimate [4] - Net Interest Income was $231.59 million, surpassing the average estimate of $225.19 million [4] - Total Non-Interest Income reached $50.5 million, exceeding the average estimate of $44.99 million [4] - Net Interest Income (FTE) was reported at $233.84 million, above the estimated $224.76 million [4] Stock Performance - Home BancShares shares have returned -2.2% over the past month, while the Zacks S&P 500 composite has increased by 2.1% [3] - The stock currently holds a Zacks Rank 2 (Buy), suggesting potential outperformance against the broader market in the near term [3]